between people with really good credit who probably won't be affected. face it, the banks make money off of lending people money. and fn they have a fairly good sense of they'll get paid back, they're going to compete for that customer. that competition will keep rates low. lousy credit, we've all been burn and giving, extending credit to people who been deserve it. that's going to be harder. again, you know what? in the long run that's going to be good. be fuf if you're told you don't qualify for a house but a lot better than getting house and not able to afford it and foreclosed upon. >> a lot to watch out for in the coming weeks. the president asked for that wall street reform bill to be on his desk by july 4th. we'll be on it for what it mean. appreciate it. >> great to be here. from wall street to your wallet and high aprs to crazy fees if you're sick of deal wig your credit cards you need to know which one are worth keeping, and which ones you should just cut up. donna rosato, senior writer for